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1. You don't need to put so much money in chequing account. Usually 4000 is more than enough. 1500 to 2000 for the baseline required by the bank to waive the fee; the others for a month's rental cost and living cost.
2. There are many kinds of mutual fund. Some of them are loaded (this means you can't sell them before the maturity), and others are non-loaded (you can sell them at any time). US dollar or CAD dollar only depends on what you have, and I think it doesn't matter. (In TD bank, if you have both US and CAD mutual fund, when you transffer from US funds to CAD fund, the exchange ratio is the average (Pin Jun Jia)). You will need CAD right after your landing. So take about 5000 - 10000 CAD (now the exchange rate is much higher, check www.x-rates.com or www.tdbank.ca), and others in US dollar.
3. Yes, term deposit is DING QI CUN KUAN. You could check the interete rate. Usually, term deposit is higher than mutual fund (non-load). However, term deposit is only SAVING money, but mutual fund is INVESTING (if you choose a right investing portfolio, the return could be higher than term deposit).
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